Berkshire Bank Smart Business Rewards Card
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The Berkshire Bank Smart Business Rewards Card is a business rewards card designed for small business owners who don’t mind applying in a branch. There’s a welcome offer and ongoing rewards in the two categories you spend the most money in each month. The welcome offer is generous, considering the amount of spend required. The rewards are good, but not great. This card is only available in Massachusetts, Connecticut, Vermont, New York, and Rhode Island. We dive into the details in this Berkshire Smart Business Card review.
Our Rating
4.0/5.0
Welcome Offer
Earn 20,000 bonus rewards points
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $95 for Account Owners.
0% on Purchases
N/a
Reward Rate
1x to 2x points
0% on Balance Transfers
N/a
Welcome Offer
Earn 20,000 bonus rewards points ($200) when you spend $500 in the first 90 days of account opening.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees |
| Foreign Transaction Fee | None |
| Regular APR | 21.24% to 26.24% (V) APR |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- 2x points on your top two spend categories
- Annual fee
- High APR
- Requires good credit
- Geographically limited
What Are the Best Alternatives?
U.S. Bank Business Leverage® Visa Signature® Card
Rating
4.5
Rewards Range
1% to 5% cash back
Annual Fee
$0 intro annual fee the first year, $95 thereafter
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0